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Monzo: Current account reviews

Name: Current account
Rating: 4.85 (19422 reviews)

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4.85

Based on 19,422 reviews, last reviewed 21st Jun 2026

68% decrease in 5 star reviews

in the past 90 days

10% increase in 1 star reviews

in the past 90 days

96%

Latest highest rating:

5

Monzo provides one of the best online experience. Monzo provides one of the best online experience. The app is clear and easy to understand. Money can be put into different pots making budgeting easy.... Read more Reviewed on: 21st June 2026

Latest lowest rating:

1

Froze our accounts for no reason Froze our accounts for no reason and have held onto the money for 2 weeks so far with no timescale, It has absolutely broke us to the point of no bill... Read more Reviewed on: 12th May 2026

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About this product

Monzo’s current account gives you access to its award-winning mobile banking app which provides instant notifications about all payments and charges.

The Monzo current account helps you learn about your spending habits with weekly and monthly insights. And you can manage your money with spending categories and savings pots.

Monzo current account reviews help you find out what it’s really like to be a customer. If you’ve used Monzo before, you can also leave a review and share your experience.

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Awards

Best British bank 2025

Awarded to the bank rated highest in UK customer reviews.
Best banking app 2025

Awarded to the bank rated highest in customer reviews for their banking app.

Monzo Current account reviews (19422)

Monzo is the best

Monzo is the best banking app for real people Reviewed on: 14th January 2024

From currency converter to best banking app ever!

I started using Monzo when I went to America as they provide a no-fee currency conversion. Since then, I have transferred almost everything into Monzo. The savings rates are amazing, the ease of use is second to none and when my partner was having a dispute with Boots about a cancelled order, she spoke to Monzo customer service and the money was refunded in less than an hour. So, we even use it for joint account purchases too now Reviewed on: 14th January 2024

Monzo 4 Life

After having a bad experience with Lloyds, I closed my account and started fresh with Monzo. It’s been 5+ years and I’ve never looked to another bank. Love Monzo Plus too. Reviewed on: 14th January 2024

Great bank, easy quick and efficient.

Great bank, easy quick and efficient. No problems and very user friendly Reviewed on: 14th January 2024

I always recommend to everyone

Been with Monzo for years and now use Monzo Plus. Great interest rate (4.6%) on my Instant Access Savings Pot that’s been great for an Emergency Fund! The pots in general are amazing for budgeting and I now use the virtual cards that come with Monzo Plus Reviewed on: 14th January 2024

Monzo is so easy to bank with, with simple and intui...

Monzo is so easy to bank with, with simple and intuitive apps, good savings options and their ‘pots’ for day to day saving are a god send. I absolutely love Monzo and will never switch banks. Reviewed on: 14th January 2024

Brilliant bank

So intuitive and friendly, I love the app and all the little things they do to make banking easy. Reviewed on: 14th January 2024

Monzo is so easy to use.

Monzo is so easy to use. I have an ISA too which is so simple to manage. If they did mortgages, I would use them for everything. Reviewed on: 14th January 2024

Slick UI and gamification of savings

I enjoy how well the UI is designed, the gamification of saving your money, and the option to upgrade and pay for improved functionality, with swanky new cards. Reviewed on: 14th January 2024

With Monzo since 2018, still loving it

I've been with Monzo since 2018, and it's the best experience possible with an organisation designed to make money from me. The App is easy to use, the help team are quick to turn around questions or problems. Reviewed on: 14th January 2024

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